USDC

FeelingCombination55

One of the ways we're thinking of trying to meet this best of both, is having our own L1, and whilst a user has their fiat with us, we mirror their funds on-chain, and can easily allow them to go back and fourth, with the mirrored assets being in self custody and always redeemable (with the fiat being insured), similar in a way to how circle/USDC works.

Bluejumprabbit

Zero fee here just means Samsung is eating the cost, USDC settlement on Solana is already sub cent so the fee was never the blocker. Getting a stablecoin wallet baked into Samsung Pay by default is the part that moves volume, that's distribution to hundreds of millions of phones.

eastwill54

The part most people miss is that the merchant never touches the stablecoin. They get paid in their own currency like any other Visa sale, and the stablecoin only changes how the issuer funds and settles with the network. A company whose revenue already lands in USDC can spend straight from that stablecoin balance instead of off-ramping to a bank first. Altitude offers a corporate Visa card that draws on a prefunded USDC account, with no credit line behind it. That use case, businesses with onchain revenue paying for real-world things, is probably where these cards grow fastest.

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Post is by: ashishxo and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1x2bvdu/best_way_to_sell_usdc_to_cad_bank_transfer/ Hello, I’ll be receiving some USDC very soon, and would want to know what is THE most efficient and cheapest method to convert USDC and deposit it into my Canadian bank account. I’m not too knowledgeable about crypto, but want to avoid fees as much as possible. I don’t have an issue with withdrawal taking a few days to land into my bank. Thanks *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: marshallxfogtown and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoCurrency/comments/1x29sbq/how_do_we_feel_about_cbbtc_and_wbtc/ So I recently sold some of my profit on my BTC investment, it was not much, but it was 25% of my BTC holdings because I was up over 30%. Now I've got this USDC sitting earning interest in Aave, learning about DeFi, and have been noticing i could keep my "BTC" on chain and save money in swap fee's, and potentially trade the swings in BTC price for a lot cheaper than if I were to use Thorchain for native BTC swaps... I've been enjoying keeping my BTC self custody and have avoided introducing it to any CEX's so far since acquiring it, so I just wanted to get the publics current opinion on holding cbBTC or WBTC for my purposes, especially if it is only 25% of my BTC holdings.. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Initial_Note_5987

I can add BTC GoMining Token USDT or USDC but all my funds for it are held on their app before being loaded onto the card

Ammused-Muffin-6942

Just let it appreciate in value and liquidate when I’m ready to buy a sailboat. I also thought about using BTC as collateral to borrow USDC and use USDC to reinvest into ONyc and profit from the spread but I’m concerned about lending out my BTC.

UtahImTaller

I only speculative trade one coin. Sold all of it 2 days ago after like 400% over the course of about a week.  So right now all I hold is USDC till I feel like buying back in.

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Post is by: chainglance_cm and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1x0udgi/why_hype_is_surging_and_what_could_crash_the/ If you've been on crypto twitter at all lately, you've probably seen the hype around HYPE (yes, I did that on purpose). And since it started pumping, everyone's doing the usual thing, zero research on what it is or why it's going up, and just shilling the fuck outta it or getting shilled.  If you've been watching from the sidelines with some FOMO but want to understand what's actually driving this before you make a move, I did some research and here's why HYPE is suddenly so big (feel free to add or correct anything).  **What Hyperliquid is** Hyperliquid is a perp DEX, and it's the one that finally made on-chain perps feel as smooth as trading on Binance. Instead of building on top of an existing chain, the team built their own L1 designed purely for trading, with a fully on-chain order book. That's what lets it match CEX speed and fees while you still keep your own keys and skip KYC entirely. That combo is why volume migrated over so aggressively, and today it handles a huge share of all on-chain derivatives activity. It makes money the way any exchange does, through fees on every trade. **What HYPE is** HYPE is Hyperliquid's native token. You can stake it to help secure the chain, use it to vote on protocol changes, and holding it gets you lower trading fees. The real reason people care, though, is what the exchange does with its revenue. **How the buybacks work** Hyperliquid uses its trading fees to buy their own token, HYPE, off the open market and then burns it, which means those tokens are gone for good. It's basically what Apple does with its stock as well. Buy back shares, fewer left in circulation, each one owns a bigger slice of profits.  So more trading means more fees, more fees mean more HYPE bought, and the circulating supply keeps shrinking. There's a buyer in the market every single day that never sells. And since in HYPE’s case, the bought tokens get burned, there are fewer HYPE left over time. If demand stays the same but there are fewer tokens to go around, the price goes up.  In one recent 24-hour window, Hyperliquid bought and burned 112,580 HYPE, worth about $10.15 million. Total removed so far is roughly 49.25 million HYPE, around $4.45 billion worth. **The second, bigger buyback engine** This is the main catalyst behind the recent run. Every leveraged position on Hyperliquid needs collateral, and most traders use USDC for that. Add that up across the whole platform and Hyperliquid is sitting on billions in USDC at any given time, all of it earning yield. For a while that yield wasn't doing anything for HYPE holders. Then in August, Hyperliquid switched on a system called AQAv2, which sends 90% of the yield from roughly $5 billion in USDC reserves straight into automatic HYPE buybacks and burns. It went live on August 26, with the first payout scheduled for October. So now HYPE has two buyers working at the same time, one funded by trading fees and the other by yield on deposits. The more the platform gets used, the harder both of them buy. **What else added fuel** While AQAv2 is the biggest catalyst behind the recent surge, a few other events added even more momentum. Hyperliquid launched tokenized NVDA, QQQ and SPY that trade 24/7, pulling in people who'd never used a perp DEX. US regulators also gave tokenized stocks a lot more legitimacy this year. The SEC and CFTC put out guidance in January and March, and in September the SEC announced a five-year exemption for platforms trading tokenized securities. None of it approves Hyperliquid directly, but it took the whole category out of the gray zone. On the TradFi side, Bitwise and Grayscale launched spot HYPE ETFs (huge credibility booster), so every dollar going into them buys real HYPE. And Bloomberg just listed Hyperliquid's perps on its Terminal, putting it in front of basically every fund manager (more credibility). All of this means more volume, more fees and more USDC sitting as collateral, which all ends up as more HYPE bought and burned. Open interest just hit a record $18 billion. **What could go wrong** Things look really promising right now, but there are a few risks that could stall the run or kill it entirely. Hyperliquid Labs is selling 3.75 million HYPE (about $340 million) OTC to a single unnamed institution. The whole bull case is built on supply shrinking, and this adds more than a month's worth of burned tokens back into circulation in one go. It won't hit the order book directly, but OTC buyers often get a discount and can sell for a quick profit once they're able to.  On top of that, the team selling a big bag right as the price nears ATH doesn't exactly scream confidence. And plenty more supply is still locked, so this won't be the last time. All USDC on Hyperliquid comes in through a bridge, and bridges are among the most hacked contracts in crypto. A hack would hit user funds and the reserves funding the new buybacks. The validator set is small and closely tied to the team. In March 2025, they delisted the JELLY token and settled positions at a price they picked to stop a manipulation attempt. It protected the platform, but showed a few people can override the market. The same SEC guidance that legitimized tokenized stocks also says they're securities, and Hyperliquid offers them offshore without SEC registration. Stricter enforcement could turn that growth driver into a problem. And it all depends on activity. If volume dries up, both buyback engines slow down. With all that said, what you do with this info is up to you. And if I missed something or got anything wrong, drop it in the comments. *I am a bot, and this action was performed automatically. 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sylsau

**🚨 Crypto’s biggest breakthrough may be making crypto disappear.** Samsung’s planned USDC rollout could reach **82 million compatible U.S. Galaxy devices.** Most consumers don’t want a blockchain tutorial. They want to send $200. A familiar wallet could handle the action while the infrastructure works underneath. Here’s the power shift: when users stop caring which blockchain moves their money, the company controlling the interface gains influence. **The next financial battle may be over who owns the Send button.** Who captures the value when crypto becomes invisible?

4-1Good-79

You can keep your BTC and use it as collateral to borrow USDC

Constant_Low_256

Bro want me to send you 20 USDC to buy some food?

1moreApe

I dont know where ur funds are. If onchain use Jumper to receive USDC in Arbitrum. In HL just use the deposit option. Takes 1 minute

Mediocre_Job8085

CBDC vs stablecoin, the short version: A stablecoin is a crypto token (on Ethereum, Tron, Solana, etc.) that tries to hold parity with a fiat currency, usually the dollar. Two dominant models: fiat-collateralized (USDT/USDC — an issuer holds reserves and mints/burns tokens) and crypto-collateralized (DAI — overcollateralized with crypto locked in smart contracts). The peg is a promise plus arbitrage, not law. A CBDC is digital fiat issued directly by a central bank. It's a liability of the central bank itself — like cash, but electronic. No issuer company, no private balance sheet to trust. Practical differences that matter: - Who controls it: stablecoins are run by companies (Tether, Circle) with their own custody and freeze abilities; a CBDC is controlled by the state. - Censorship: both USDT and USDC have frozen addresses at issuers' or authorities' request; a CBDC bakes programmability in at the protocol level — the design space includes expiry, usage limits, or negative rates. - Settlement: stablecoins settle on public chains, finality depends on the chain; a CBDC settles on the central bank's own ledger. - Traction so far: stablecoins have real adoption (hundreds of billions in circulation, used for payments and trading); retail CBDC pilots like the e-CNY have seen limited uptake. One-liner: a stablecoin is a private IOU for dollars living on a public blockchain; a CBDC is the dollar itself in digital form, living on the central bank's system.

CycleBelly

Definitely look into KiiChain! It's designed specifically around local-currency stablecoins so people can transact in their native currencies without paying huge bank FX fees or forcing everything into USDC.

Dangerous-School212

Question that’s probably been asked a lot but don’t have the time to read all posts. Ok.. May sound stupid but bitcoin went up today should I take the daily gains and put it in my USDC, and when it goes back down put it back into bitcoin? Same question i guess for ZCASH. Right now losing everything even my home due to separation with an ass🕳️ .. Please i appreciate advice, It’s now like I even have 1/2 of a bitcoin. Thank You.

Dangerous-School212

Question that’s probably been asked a lot but don’t have the time to read all posts. Ok.. May sound stupid but bitcoin went up today should I take the daily gains and put it in my USDC, and when it goes back down put it back into bitcoin? Same question i guess for ZCASH. Right now losing everything even my home due to separation with an ass🕳️ .. Please i appreciate advice, It’s now like I even have 1/2 of a bitcoin. Thank You.

pitalik

Usdc issuer circle just deposited $14.5m into hyperliquid, to fund HYPE buybacks and burn. $14.5m is the monthly yield on over 6b in USDC on hyperliquid. That is more than 10% of all usdc in existence, on hyperliquid

Present_Let2487

If the USDC transactions are confirmed on-chain, I’d probably just wait a bit and contact SimpleSwap if the bigger one still hasn’t arrived, weird that some of the smaller swaps went through while others are stuck.

Ok_Lunch1400

CCTP bridge your USDC to Arbitrum One -> Deposit on Hyperliquid

Iamgodx3187

Whatever you do, do not send USDC directly from an exchange like Coinbase or Binance. It'll get lost.

BILLYBUTCHER_2

Yeah, I definitely wouldn't try to speed-run a bridge when there's an open perp 😂 One wrong network or USDC version and suddenly the “fast bridge” becomes a very expensive lesson. I'd test with a small amount first before moving the actual margin.

Loud_Movie_8484

This is my own experience with a small Ledn loan. I used AI to help organize the write-up and work through the hypothetical $25,000 comparison below. Wouldn’t this be a practical use for a short-term Bitcoin-backed loan—getting cash without selling BTC and realizing capital gains—assuming the mortgage lender accepts the funding source and you have a clear repayment plan? I’m testing a small loan through Ledn, and it’s been pretty neat learning the process. When BTC was around $75k, I didn’t have spare cash, so I borrowed against my holdings and bought about $1,000 more. My situation is different from a house purchase and adds leverage, but it’s helped me understand the mechanics. A few lessons learned: Figure out the repayment route first. I initially thought I needed to buy USDC and pay exchange and transfer fees. Ledn also supports USD repayment through ACH. Cash App offers free standard bank transfers, so that’s a route worth checking against the banking instructions Ledn provides. The interest rate is annual. At my 11.49% rate, 90 days costs roughly 2.83% in interest, before any applicable fees—just under 1% per month. Have a repayment source independent of BTC going up. The debt remains if BTC drops, and the pledged collateral can be liquidated. Here’s a hypothetical comparison. Suppose you need $25,000, half the value of the BTC you’d sell is capital gain, and you owe 20% tax on that gain: Sell $25,000 of BTC: $12,500 of gains creates $2,500 in taxes, leaving $22,500. To net the full $25,000: sell approximately $27,778 and reserve $2,778 for taxes. Borrow $25,000 at 11.49% for 90 days: approximately $708 in interest, with $25,708 to repay, excluding any applicable fees. That’s what I’m wondering about: roughly $708 in borrowing costs versus realizing about $2,778 in taxes now, while retaining the BTC. Actual taxes depend on your cost basis and tax situation, and borrowing postpones a potential taxable sale rather than eliminating taxes permanently. For someone expecting cash within a few months, wouldn’t that be worth considering? The important part is where repayment comes from—the down payment stays in the house, so closing alone doesn’t free that money back up. I’d confirm the loan and source of funds with the mortgage lender before doing anything.

chainglance_cm

That week-long wait is the official Arbitrum bridge's withdrawal period back to Ethereum, which you don't need at all for Hyperliquid. Deposits there take about a minute. Easiest route is just the deposit flow in the Hyperliquid app. Their docs now list Circle's CCTP as the preferred method, the old Arbitrum bridge contract is deprecated. CCTP burns USDC on your chain and mints native USDC on the other side, no wrapped tokens or liquidity pools in between. Coming from another chain, Across, deBridge or LI.FI route it for you. Try to avoid: \- Sending USDC.e instead of native USDC. Only native counts. \- Depositing less than 5 USDC on the legacy bridge. It's gone forever. \- Withdrawing from a CEX straight to the bridge contract. Deposits get credited to the address that sent them, which would be the exchange, not you. Always go through your own wallet.

anymonero

Shouldn't there be a status page for your individual swaps? It typically says what the current status of your swap is which might help you understand why it's taking longer than usual. If you have to use an instant swap instead of a dex, I recommend trocador.app, it's a trusted instant swap aggregator with insurance. It also shows that you would have gotten a better price on CCECash than on SimpleSwap for 500 USDC->XMR.

Dedsnotdead

No, it doesn’t. In the short term and for the case reported on here in real terms it doesn’t prevent someone profiting from the robbery. In the medium term, 3-5 years all the tokens that have been stolen are dead other than outside the main international exchanges. That’s not to say they won’t have value, but they won’t be worth what the quoted value of that token is worth. Smart thing for the person behind the robbery to do now is off-ramp somewhere dubious and exchange for gold/usd and then on-ramp and buy USDT/USDC and immediately pivot into something else. Or just off-ramp and buy “stuff”.

Serious_Pool777

I got so exhausted with P2P that I bumped on this new project. currently available in Vietnam and PH but dudes its pretty solid. you just can deposit in USDT/USDC and withdraw to your local bank/e-wallet directly. Decent conversion rate too! Name is Supercash.me for my PH peeps and Viet peeps out there!

greglogan84

Another option to compare is Cambio. I work for Cambio, so obvious disclosure. The flow is basically what you're describing: select the USDC network you're actually sending from, enter your native BTC receiving address, get the quote, then send the USDC. No exchange account is required. The important part is selecting the correct USDC network because USDC exists on several chains. Compliance/risk screening still applies and verification can be requested if a transaction is flagged. [https://cambio.one/?utm\_source=reddit](https://cambio.one/?utm_source=reddit)

FroyoRich4701

Honestly, I think stablecoins could become pretty useful for everyday payments if the process gets simple enough. Inxy is interesting in that regard since it gives businesses a way to accept, send, and pay out in crypto and stablecoins like USDT and USDC. If the fees and user experience are good, I can definitely see more businesses giving this a shot.

Confident_Ground_775

Not true. When you convert BTC into USDC it is a taxable event.

Candid_Sorbet_4605

I sent it to the deposit address. I meant to send $50 worth of USDC to the ERC-20 address, but I sent 50 ETH. It was before my first cup of coffee. Lesson learned.

sylsau

**You can fork a blockchain. You can’t fork the dollars backing its stablecoins.** **That’s the tension behind USDT and USDC moving closer to Bitcoin.** Imagine a future split. Tether and Circle recognize one branch. Your node can choose the other. But what happens if your loans, customers, and payment systems depend on the dollars that stayed behind? Neither company can rewrite Bitcoin’s rules. Their decisions could still change the cost of defending yours. More liquidity. More utility. More dependence. Bitcoin’s next fork war could test something deeper than software: **How much freedom do you retain when choosing your preferred chain could disrupt your finances?**

faisal_yk26

The interesting part is it's tokenized deposits, not stablecoins. Banks get on-chain settlement but the money stays a regular bank deposit, inside the regulated system. That's the banking industry's answer to USDC.

outoftownMD

All season will be incredibly diluted and minimal again except for the solid projects. Things like pump, fun diluted liquidity, and all those people who rug pull through those all coins will trade back into Ethereum, BTC, USDC or USDT. I have a lot of SUI

PuzzleheadedHuman

At a few hundred dollars of SOL/USDC you can mostly ignore price impact. The biggest SOL/USDC pool on Solana holds about $27M of liquidity and did roughly $156M of volume in the last day, so your trade barely moves it. What changes from day to day is the fee side: the priority fee your wallet sets based on congestion, plus any fee the app adds for the swap itself. (Disclosure: I work at DexPaprika, which indexes these pools, so I stare at this stuff daily.) To read the real cost on an explorer, skip the fee field for a moment. Divide the USDC you received by the SOL you sent; that is your effective price. Compare it to the SOL/USDC price for that same minute on any 1-minute chart. The gap between the two is your swap cost as a percentage, including any app fee baked into the route. The network and priority fee sit on top of that, paid in SOL. If your app charges its own swap fee, at your size that is usually the biggest line, bigger than anything the network charges. That percentage is the number worth checking.

MakCapital

OP said Solana. Base fees are static. There's no congestion but this wouldn't change anything. All comes down to tips or if OP is using a different exchange with each swap. To OP or the AI agent: Use Jupiter and set your own tips if the few extra cents is concerning. Don't swap in wallets. Pretty sure you're looking at only 20 cents per 1k USDC swaps with SOL on Jupiter and as low as sub penny gas or cents with not crazy tipping.

Guilty-Secretary-362

you pretty much got it, congestion is the main thing. i leave the fee on auto most times unless the network is really cooked, then i bump it up a bit on explorer the actual cost is the transaction fee + any protocol fees, sometimes split across a few lines so its not super obvious. i mostly just look at how much SOL left my wallet vs what i got in USDC

New_Watercress_4587

I don’t think that’s the main problem. With traditional financial systems there’s KYC and other ways to revert or prevent scams. BTC transactions are irreversible. I’m sure stablecoins like USDC could be better because they control the smart contracts. Obviously some people prefer defi while others like cefi.

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Post is by: P_thedon and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1woa6jx/binance/ Junta-te a mim e ganha também! Regista-te e conclui tarefas, vamos ganhar recompensas em USDC juntos! https://www.binance.com/referral/earn-together/refer2earn-usdc/claim?hl=pt-PT&ref=GRO\_28502\_1Z6S5&utm\_medium=app\_share\_link\_reddit&utm\_source=referral\_entrance *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: Adventurous_Whole973 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1wo9x5m/built_this_for_people_to_buy_us_stocks_from/ I built bloom because there was no EASY way to go from stablecoins or crypto to US equities without leaving on chain. with Bloom if you're outside USA, you buy tokenized US stocks and ETFs using USDT, USDC, BTC, ETH, etcc whatever you have in your wallet. Every stock is backed by real shares at a regulated US broker and settles on chain to your own wallet. I'm at the moment focused on now is the research layer, each stock page has live news, key stats, financials and filterable headlines and I know there's more to build and I want to hear what actually matters to people before I pick the next thing to improve. try it and tell me what I can do better. here's the platform link [trybloom.xyz](http://trybloom.xyz) Happy to answer questions !! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

ananddoyen

Hi everyone, Anand here. I don't usually post asks like this, but I'm in a short-term cash crunch and could use this community's help. Several client payments to my company are delayed, and some unexpected costs hit at the same time. I need CAD 19,580 to cover payroll (overdue Aug 30), cloud infrastructure (Oct 7), and office rent and contractors (Oct 15). It's a bridge until those payments and new contracts come through. USDT or USDC: 0x596b5da5297dbf0cc9efc780b3cc9af0c0794c80 Low-fee networks: BNB Smart Chain, Polygon, Base, or Arbitrum. (Ethereum also works, but fees are high.) Any amount helps, and so does a share. I'll post updates here as each bill is paid. Thank you.

ananddoyen

Hi everyone, Anand here. I don't usually post asks like this, but I'm in a short-term cash crunch and could use this community's help. Several client payments to my company are delayed, and some unexpected costs hit at the same time. I need CAD 19,580 to cover payroll (overdue Aug 30), cloud infrastructure (Oct 7), and office rent and contractors (Oct 15). It's a bridge until those payments and new contracts come through. USDT or USDC: 0x596b5da5297dbf0cc9efc780b3cc9af0c0794c80 Low-fee networks: BNB Smart Chain, Polygon, Base, or Arbitrum. (Ethereum also works, but fees are high.) Any amount helps, and so does a share. I'll post updates here as each bill is paid. Thank you.

DiamondHandsDarrell

I have it and coin base one I earn 4%b back on the first 10k, the unlimited 2% after 10k. Since I've had it (I think almost a year now) I have .05245 BTC earned. Not bad, that's about $4,081 with $473 (11.6%) Then on top of that, I'm holding some cash in USDC which currently pays 3.75% of which I get paid in BTC. That's about $3,500 so far. The biggest trick is to pay it off monthly. And then for me, I make my biggest quarterly expenses with it so even though there's 2% fee to pay with it, getting back $200 in BTC makes it worth it

Worldly-Elk-9394

Brothers i need eth for gas 🥶👌 (bought USDC and forgot about gas)

DarthBen_in_Chicago

Use USDC for your payments. Your cost basis is always $1 (except when it’ll break a buck). Lots of reporting but really easy.

Supachenko82

The safest, no brainer move for beginners. Buy as much USDC as you can afford on Coinbase. Lend all of it in the high yield Vault, that has approximately 7.3% APY. Then just kick back and earn passive income. Why this works: USDC is a stable coin, so no matter how bullish or bearish the market gets, it won't decrease the value of your USDC. It's a stablecoin, with a fixed value of $1.00 United States Dollar. Easy, low risk, passive income, my friend. 😎🤓🧠🤑

Bluejumprabbit

Apple and Google aren't going to mint their own coins, they want stablecoin rails inside Apple Pay and Google Wallet so they skip card interchange fees. The GENIUS Act made issuing a regulated stablecoin a licensing headache, so plugging into USDC or PYUSD is the obvious move for them.

srameshr

You know i saw it at 16K USD when USDC was being depegged to 0.86$ after the Terra fiasco and everyone around me were swapping USDC to Bitcoin and stupid me swapped USDC to USDT at 15 cents loss per coin.

Right-Fault2799

You could buy ETH first and then swap it for USDT or USDC once you have it in a compatible wallet That may be easier than trying to buy USDT directly with PayPal

anon1971wtf

Especially, keeping in mind that most listing mix open blockchains, stablecoins and thousands of private money into one big lists, causing nothing, but confusion which is what. Bitcoin and USDC and BNB/XRP are three different things, completely different

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SpontaneousDream

Hyperlend. If you prefer to do it on Hypercore, you can supply HYPE, borrow USDC at 5% and then use that to short ETH on perps. I wouldn't go that route though

PointDexter6508

USDC still might be the better option

PointDexter6508

Depends on the region. In the EU region USDC is the clear choice.

DD4LIFE8

I use a combo of Coinbase and KCEX. Coinbase to deposit or withdraw the money to my bank account and for Coinbase to track taxes. I buy USDC on CB which is free, transfer it to KCEX which is free, sell it for USDT on KCEX for free. Buy what I want on KCEX for free (spot) and KCEX has free transfer fees as well. I do the reverse when I want to sell which is also all free. So send your BTC to KCEX. Sell it for USDT, buy USDC and send it to Coinbase. Sell the USDC and withdraw it to your bank account. It’s all free besides whatever fees you may be charged to transfer the BTC from your wallet.

No_Fuel4693

You're right, but it doesn't work in practise like that until the price remains largely stable compared to other currencies - which it never will IMO. Think of it like this. I'm a US seller of goods. My customer is in AUS. The transaction is for $100USD. How much is that in BTC? Well it depends on timing right? So I can say, 'send me $100USD in BTC', but the customer then needs to find an exchange rate for that from one of many exchanges, get a BTC value, then buy that BTC in local currency $AUD, then transfer it. There are a lot of variables in the time that that happens. Prices in both currencies fluctuate and I as the seller, have to rely on my customers interpretation of what $100USD of BTC actually is. Sure we would have saved transaction and exchange fees etc but its still not a clean exchange. It works but it's not perfect. I think this is where stable coins have value. Customer can quickly buy and send $100USDC for minimal fees and when I'm ready I can exchange that out for fiat or BTC as needed. They wear the exchange rate on their end ($Aud > USDC) and i wear it on the other end (USDC to BTC/USD).

Eastern_Primary_4446

🚨 CryptoLookout — BTC/USDC • Coinbase Unusual volume Current price: 81249.83 • Volume: 12066.037974 • Target volume: 5000.00 The useful condition being monitored is now true. Reminder: every 1h while the condition remains true

Darrylsh

I've done P2P on Binance and with a bit of shopping around thought I got excellent rates. However, I only exchange for USDT or USDC and then use that to buy what I want on the exchange.

lynchrw

iska is relative. For every USDC the is one US dollar behind it which is audited. After the last short squeeze when BTC had that big runup ithe leveled out . then there was the upcoming cloture vote and pending FOMC intewar rate action. so I played it safe for a few weeks convert a majority of my crypto holdings to usdc and then they the usdc and earned a family steady 6.9%, which ain't bad really, while BTC was meandering around. So right after the cloture vote and the FOMC meeting I convert from USDC back to Crypto in a certain plan Ed distribution(BTC , ETH and SOL). Plus I keep between 15 and 20% of My overall holdings in USDC and that USDC I still lend and and earn interest on. just a strategy that seems to work to help mitigate downside risk. the bottom line for me ustc is a great place to be somewhat safe probably safe as you can earn a steady good interest rate as opposed to a bank which is less than 2% or money market which is also terrible interest rates and not even insured in some cases. oh one more thing I do with USDC or my rationale behind it. as the portfolio grows I'm maintaining that 15 to 20% in there from gains or new money to help ensure I have money to pay any taxes later the year

CoinRabbitFinance

Hey! Ask the contractors which token and network they can actually receive and cash out. Supporting “USDT” on both sides isn’t enough if the supported networks don’t match. For a recurring payout, compare what reaches their bank after the transfer fee, conversion spread and withdrawal fee. A small test payment will tell you more than comparing the tickers alone. You may end up using USDT for some contractors and USDC for others. There’s no operational need to standardize on one if it makes getting paid harder for the recipient.

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Post is by: Flat_Cost_1766 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1wjvweg/usdtusdc_swaps_need_advice/ I get paid in USDT from a freelancing gig, but every now and then I need USDC instead. Shadeform is one example since that’s what they accept for stablecoin payments. I usually use an exchange when I need to swap, but after doing this for a few months, I got tired of sending money there and then withdrawing it again just to switch between stablecoins, especially since it’s a recurring expense for me. Any workarounds? I mainly care about decent rates without adding too many extra steps. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

dende93

Can I do +10,000$ trades there? Can I pay or get paid in USDT, USDC etc. on any network I want?

quintavious_danilo

Thanks, not really interested in stock cashback though. Best I found so far is still ether.fi with 3% and MiniPay with 5% in USDC.

Bluejumprabbit

Almost all of that money is Treasury yield on USDC reserves, so the whole model lives or dies on where the Fed sits. With rates just moved and USDC supply near $74B, a couple cuts next year takes a real bite out of that number, and thats exactly why they're pushing into payments and Arc.

lynchrw

I am thinking there has to be a slow introduction and acceptance. One sign of progress would be if say Amazon decided to take some from of crypto as payment, e.g. USDC.

on_hype

USDC has audited reserves monthly, USDT does not. For business payments where you want regulatory clarity and lower counterparty risk, USDC is the straightforward choice. In practice the peg behaves the same 99% of the time, but USDC gives you a cleaner paper trail.

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Post is by: fr4ntic-rye and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1wio1xh/usdt_vs_usdc_for_business_payments/ Paying contractors in crypto and I'm torn between USDT and USDC. Is there any real difference for payouts in practice? I know that the platform i use (inxy) supports both, but what’s the difference and what do you use? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Martymations

Unpopular Opinion- We can use USDC/USDT as currency but not BTC

BigDipper0720

USDC is the answer. My understanding is that doesn't require the Clarity act.

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Post is by: Artistic_Quit2878 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1whasat/a_virtual_fruit_fly_brain_was_linked_to_coinbase/ The project is called Stonkfly. A neural simulation of a fruit fly brain makes trades on Coinbase after receiving real-time BTC/USDC price data straight into its visual receptors. The program produces artificial dopamine when a trade closes in profit. Negative experience neurons fire when it loses. The fly responds to green and red candles but without the human factor. Compared to most traders, the risk management regulations are stricter. $10 is the maximum position size. No shorts, no leverage. Trading immediately ends if it drops $20 from the initial $100. It is practically impossible to take 100x leverage on futures in an attempt to recover losses, average down on losing bets, or go all in on emotion. This simulation is outperforming the decision-making of a significant portion of crypto Twitter. The fly is currently live-streaming its trades, and a memecoin has already been launched in its honour. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: Impossible_Poet4901 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1wh6fwf/join/ Join me and get yours! Sign up and complete tasks, let's earn USDC rewards together! https://www.binance.com/referral/earn-together/refer2earn-usdc/claim?hl=en&ref=GRO\_28502\_IAE4P&utm\_medium=app\_share\_link\_whatsapp&utm\_source=referral\_entrance *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

DiamondHandsDarrell

I just want my % back in BTC on USDC held on coinbase that beats inflation 😭

Getmeluck

Hi im planning to trade to support my tuition send donation thankyou  USDC: Gt32aCnrTDXxmaMwLatmrnSNb1d1rBM3tSdAHEd4arn4

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Post is by: theunsecretman and the url/text [ ](https://goo.gl/GP6ppk)is: /r/web3/comments/1v8pyy4/i_used_http_402_to_launch_a_token_on_base_and/ Disclosure up front: I built this. Not dropping a contract address, price, or “buy” anything — that’s not the point and it’s against the spirit of the sub. I want feedback on the pattern. Background for anyone who hasn’t seen it: HTTP status 402 “Payment Required” has been reserved-but-unused since the 90s. x402 is the open protocol that turns it into an actual payment — server returns 402, client pays USDC, the request settles onchain on Base in one round-trip. Paying is the request. What I did: • Launched a B20-standard token by making a real x402 call to an endpoint. The payment settled on Base and the response minted the token. I did it live through an agent on X, so the entire genesis is a public, timestamped thread — you can fork the code, not the thread. • Then I made the token itself an HTTP primitive. There’s an endpoint you can hit that reads your wallet and answers with your holder “tier” as a literal HTTP status code (200 OK if you hold, 301, 418 teapot for whales, 402 if you hold nothing). It’s curl-able. The first N callers each get a permanent “request number” — basically a 90s visitor counter, but onchain-verified and impossible to reassign. Why I think it’s interesting past the meme: it collapses auth and payment into the same HTTP request. Paying IS the login. That’s the whole x402 thesis and I wanted to push it to an extreme and see what breaks. Happy to get into the mechanics in the comments — x402 gotchas, why B20 over a vanilla ERC-20, how the endpoint verifies the payer, whatever. Roast it. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: Hot_Arm3894 and the url/text [ ](https://goo.gl/GP6ppk)is: https://www.tradingview.com/x/zwhcBewU/ Hi guys, After studying how institutional money completely changed market dynamics post-ETFs, we realized traditional retail indicators cause way too many fakeouts. So, we spent the last few weeks coding a TradingView Pine Script. Instead of just looking at standard price charts, the script aggregates 5 specific inter-market metrics in real-time to find a clean mathematical convergence before calling a macro bottom: 1. **Macro Trend**: Price relative to the 50-Week Moving Average (50 WMA); 2. **BTC Dominance**: Tracking if Bitcoin is actively draining market liquidity (BTC.D > 10 SMA); 3. **Binance Volume Spike**: Monitoring institutional spot buying volume crossing above the 20-day average; 4. **Retail Sentiment**: Monitoring an RSI basket of 5 major altcoins against BTC to spot retail panic-selling; 5. **Stablecoin Inflow**: Tracking the aggregate market cap expansion of USDT + USDC against their 20 SMA to detect institutional dry powder moving onto exchanges. The script is engineered for extreme selectivity. The signal (Orange Triangle) triggers ONLY when all 5 conditions hit a perfect 5/5 convergence. In the last 5 years of market history, it has triggered only 4 times. However, the real daily value of the dashboard for a trader is data consolidation. Instead of wasting time opening 5 different charts every single day to check stablecoin caps, volumes, dominance, and retail RSI, you have everything aggregated in one single, clean on-screen table. Right now, we are currently at 2/5 convergence (NO SIGNAL). Dominance is flat, volume is average, and retail hasn't capitulated yet. **\*\*\*UPDATE**: We've just opened a public live data feed where we track how these parameters evolve day-by-day so anyone can check the layout in real-time. Since Reddit filters direct links, we've listed the access point directly on my Reddit profile bio for those who want to monitor it. No strings attached — just looking to see how it performs for you. We’d really love to get the community's perspective on this technical setup: \- Do you think aggregating these 5 specific metrics into a single dashboard is an efficient way to save time and track the macro buildup? \- Is the on-screen table layout clean and readable enough for quick daily checks? \- What other macro or on-chain metric would you consolidate into this stack? **Thanks in advance for your insights!** *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Awkward_Potential_

I have a Coinbase debit card and use USDC on it. It pays me 4.5% on what's basically a checking account. Does your checking account pay you interest?

Cautious-Lecture-858

Nope, it doesn’t. Since you won’t be able to earn a yield by just holding say USDC. It also institutionalizes the crypto market, so big players can go in and control it.

AggravatingGuest1956

1000-1250R a month in Nubank R Bond. It’s what 14% APR rn? The rest into BTC. You can also divide that up and convert the R to USDC and stake for 3.4%? APR if you want exposure to USD. Nubank IIRC also gives you Exposure to EWZ and VOO if you want to go along those lines. My wife is Brazilian and we put away 500-750R a month into the Real (Reis?) Bond.

KrunchyKushKing

Tokens which aren't widely known like USDC don't get shown in your metamask. I'm unsure if the balance can be disabled in the settings check it out if you can. Or yeah just disable OP if you'll never use it

KrunchyKushKing

Sent you a scam token which on a DEX has a high MC but low capital. F.e. if I put in 0.0000000001 r/CC-tokens tokens with 1 USDC then technically 1 r/cc-tokens is worth 10000000000 USDC. But since the Liquidity isn't there the trade will never go through or even worse it is a malicious token with a tax on it f.e. if you swap it drains your entire wallet and gives you nothing in return.

AnthonyBTC

If we're specifically talking about selling the USDT, it's infinitely cheaper to swap the USDT to USDC on Bungee Exchange, which costs basically nothing, and then deposit it into Kraken Pro or NDAX for the 0.20% fee. The Shakepay auto-swap is cool, but you lose so much money doing that over doing something that takes maybe 2 minutes to do yourself by swapping on Bungee.

AnthonyBTC

USDT is the only restricted asset in Ontario and Canada as a whole. You cannot buy it here. They would need to buy USDC and trade it to USDT on a DEX.

Informal-Somewhere11

unfortunately they wont event let me withdrawl crypto,just USD, so my USDC is stuck and getting rewards. They are telling me to convert it but have locked all features.

bemyantimatter

It’s been a weird day. My Coinbase debit card is also declined at the grocery store and target. I called Coinbase so that I could use the debit card which is USDC and they say that the whole account is locked up until the 72 hour verification related to the BTC transfer is complete. Once again, the BTC transfer was $100 transfer from Coinbase to a hardware wallet that is in my possession. I don’t see why that should affect my debit card at all.

CoinRabbitFinance

Hey! The responses here make stablecoins look more like a savings and transfer layer than everyday spending money. Holding USDT or USDC solves the immediate problem of getting dollar exposure, while actual spending still depends on local merchants and off-ramps. At CoinRabbit, we see holding and moving stablecoins as a use case in itself, not simply a temporary step before trading. Better local rails such as PIX make conversion easier, but they do not necessarily turn stablecoins into a checkout currency.

No_Accident8684

subscribers of his substack got airdropped a couple.. i am a free tier subscriber and got airdropped 784 $LAPTOP. i cant complain. was a little late but still cashed out 1.5k USDC. nice free money

DiamondHandsDarrell

Yes 100%. Not financial advice: I feel DCA is the way to go. There are people documenting and sharing this on reddit that has proven it's the best long term strategy for most. Lump sum can work great or burn you depending on how the market swings. I've read about exchanges from the start, so you can imagine my skepticism to use any that aren't established. That being said, I was suggested to use Coinbase and I've been with them for about a decade now. Sure I've had issues, but they're relatively minor (have to re-upload ID and other small things) but never make issues. I've moved crazy amounts of money (for me) and never had an issue. I've read a lot of complaints about them, but they haven't failed me once. I also have their black Amex credit card and get 4% BTC back on the first $10k monthly spend, after that I get 2% BTC back unlimited. And being a coinbase one member, I get I think 3.5% back in USDC or BTC for holding USDC which pays for the monthly fee. And they also give you discounts for being a member to tax management and filing applications. This is the most useful part!

LowerStranger9021

Interesting read. Bitcoin however is losing its position as the crypto used to transfer money across borders. Stablecoins like USDC and USDT are quickly taking on that roll. What will be useful to watch is whether Bitcoin continues to be held by individuals in countries where fiat currency is losing significant value or if they adopt stablecoins instead. As I understand it, individuals aren’t using Bitcoin as a speculative asset. They are using it to get a U.S. dollar denominated asset to transact with. USDT and USDC fill that need without the added price volatility.

tetsu2323

What sort of transfers take a week? USDC from Arb are almost instant

--Quartz--

That's because you don't live in a country where buying USD is regulated, and not easily accessible for people whose income is informal. Buying those USD also can't provide yield since they are not able to justify where they came from, so they just sit there losing to the US inflation. Crypto allows buying/selling USDT/USDC with no restrictions, at a fair price, while receiving yield from platforms, and holding outside the government's reach.

Kimboslav

Only one I tried is [ether.fi](https://www.ether.fi/@c5d13ee4) (link is affiliate, use it for small bonus). It is crypto neobank and restaking platform. Has cashback card for EUR and USD users - 3% cashback on first 800 EUR and than 1%. I use it also for staking. **Affiliate tiers:** • **Tier 1** — starting tier → $10 new member bonus → $15 high-spender bonus → 0.1% cashback on referral spending → 20% physical card commission → 50% card fee commission → 5% liquid yield revshare → 5% staked yield revshare • **Tier 2** — 50+ lifetime referrals + 10+ in the last 90 days → $15 new member bonus → $20 high-spender bonus → 0.2% cashback → 20% 2nd-degree revshare → 7.5% liquid/staked yield revshare • **Tier 3** — 100+ lifetime + 20+ in 90 days → $20 new member bonus → $25 high-spender bonus → 0.25% cashback → 20% 2nd-degree revshare → 10% liquid/staked yield revshare • **Tier 4** — 500+ lifetime + 50+ in 90 days → $20 new member bonus → $25 high-spender bonus → 0.3% cashback → 20% 2nd-degree revshare → 25% physical card commission → 12.5% liquid/staked yield revshare A referral becomes qualifying after signing up through your link, activating the Cash Card and spending at least **$100** in eligible purchases. Rewards are paid in **USDC on the 15th of the following month** and there is no expiration on qualifying referrals. So for anyone with an audience/community, this is potentially much more interesting than a traditional one-time referral bonus.

Temporary-Cause730

Crypto investor in Brazil, I use USDT/USDC when I take profits, and send it to a crypto credit card to spend. I also use stables to send/receive money from friends that live abroad. Apart from that, I don't spend crypto, just hold. I have many friends that use stablecoins as a form of exposure to USD, even though the BRL to USD has been declining in the last 2 years. They want to park some of their savings in dollars, so they buy stablecoins using Pix and just leave it there.

MyNameIzJeff69

Best option is to buy USDC on paytrie.com Send it to a telegram wallet on the network of your choice. I do it on SOL as it has the less fees. It will automatically be swapped for usdt and becomes "networkless" in your telegram wallet until you send it to someone or withdraw to another wallet. You can then withdraw/send on SOL/ETH/TRC20/TON networks. It's basically giving you a free token swap and network swap. You can buy on Paytrie with interact e-transfer but it does require KYC. Transactions are usually processed within the hour.

Grunblau

If you have a RH account, you can send USDC on Solana and then deposit to the bank or buy stocks… kinda hope that after clarity, my normie bank account will just get a USDC QR of its own.

darkstar541

Yo I traded USDC for USDC and made less than $100. I guess that's the same as getting scammed on a memecoin and losing 99% of my purchasing power. OP is straight up misleading.

Traditional-Ebb-8380

When you do still keep it safe or directly in the bank. A hacker took $66k from my Coinbase in USDC that was earning interest last year.

Bmjslider

I get 9% on my USDC and can withdraw at anytime.

lordm30

I already use a virtual mastercard from an exchange that lets me spend USDC. Works fine.

devCheckingIn

No. First because I wouldn't hold any USD in USDC when I can get interest on USD and can't get jack on USDC. Second, I get 4-5% cash back on credit card purchases so I would continue to use those.

Rare_Friend_6484

I'd maybe use it for groceries if the prices come out similar to card and there's no extra fees. already got some USDC sitting around not doing much so why not electronics is different though, for that I'd probably just hold. feels weird spending crypto on stuff that loses value fast what chain you thinking? if it's not on Solana or something cheap I wouldn't bother with it